Kick Out
As these products go it is not bad. Hardest thing many people will have with it is getting a handle on Investec as the deposit-taker. We all know at this stage how useless ratings are. Had a look at them a while ago and thought they were an interesting and fairly credible looking outfit.
I still think that someone willing to tie up their money in 'soft' euro for multiple years should be paid more (as you are for owning Irish government bonds which can be traded daily).